Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Palencia, St. Augustine — a gated community home in St. Johns County.

1 / 51

Active

Active·187 days on market·Palencia

549 Sebastian Square

St. Augustine, FL 32095

$759,000$281/sqftEst. $3,902/moMLS# 2131477

Beds

Baths

2,700

Sq Ft

2006

Built

Garage

Pool

About this home

Palencia

Welcome to this elegant and well-maintained Toll Bros home in the Sebastian Sq section of amenity rich Palencia. Upon entering you are greeted by 9' tray ceilings, crown moldings and stunning rich wood flooring. The kitchen is equipped with a center island, breakfast bar, stainless steel appliances and range hood and a fabulous butler's pantry located between the kitchen and dining room areas. The spacious and open family room features a gas fireplace with built in cabinetry on each side, plantation shutters and very large windows overlooking the private backyard with plenty of room for a pool. The generously sized primary bedroom features a bay window with seating area , his and hers closets and a door to access the screened lanai. Exterior of home was painted in 2025 and new shutters installed. New screens were installed on the lanai in 2025. Roof was replaced in 2019 and HVAC system replaced in 2017 and serviced twice a year.

Cost to own

Mortgage calculator

Home Price

$759,000

Down Payment: 20%

$151,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,902

Principal & Interest: $3,902

Property taxes (est.): $1,010

Insurance (est.): $506

Estimated Total Monthly

$5,418

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.66% · 30yr$3,902

Property taxesest. at asking price, St. Johns County$1,010

HOAbilled annually$10

Estimated total, before insurance$4,922/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,225/yr · $685/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$650,136	$572,657	—
2024	$588,180	$520,597	—
2023	$575,830	$473,270	—
2022	$573,499	$430,245	—
2021	$392,778	$391,132	—
2020	$355,575	$355,575	—

2025 property taxes (current owner): $8,225/yr

Estimated taxes if purchased at asking price: ~$12,100/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — 2019 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,767 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

Jul 14, 2026Price change$759,000−$20,000
Feb 23, 2026Listed$779,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$759,000

Price / Sq Ft$281

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,700

Acres0.33 acres

Year Built2006

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryPalencia

MiddlePacetti Bay

HighAllen D. Nease

Community Information

Address549 Sebastian Square, St. Augustine, FL 32095

Area312-Palencia Area

SubdivisionPalencia

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size14,374.8 sq ft

Parcel Number0720910660

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Gated, Golf Course, Maintenance Grounds, Park, Pickleball, Playground, Sauna, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Cooktop, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LevelsOne

SecuritySecurity System Owned, Smoke Detector(s)